Compared with New Jersey
11 of 19
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
50th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New Jersey median
of 19 compared; 5 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for The First National Bank of Elmer at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The First National Bank of Elmer's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.1% of revenue, about the same as the 2.1% median of 1,412 banks with $300M to $1B in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $94K in Q2 2026, about level with the same quarter a year earlier ($94K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 19 compared published fees sit above the New Jersey median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $37, its standard fee, the highest of its prices
Non-Network ATM
Compared at $1.50, the middle of its prices
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $94K. Its share of revenue, 2.1%, is about the same as the 2.1% median for banks with $300M to $1B in assets.
$94K
The First National Bank of ElmerMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $35 to $37; we compare the highest. Non-network ATM: Listed at $1 to $2; we compare the midpoint.
The First National Bank of Elmer · $408M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The First National Bank of Elmer(this institution) | Elmer, NJ | $408M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Community Bank | Petersburg, IL | $414M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Frankewing | Frankewing, TN | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bank of Lexington, Inc. | Lexington, KY | $411M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of St. Francisville | Saint Francisville, LA | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of the Bluegrass and Trust Company | Lexington, KY | $407M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Zachary | Zachary, LA | $416M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Big Horn Federal Savings Bank | Greybull, WY | $400M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank of South Carolina | Holly Hill, SC | $414M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers State Bank of Calhan | Calhan, CO | $416M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First Lockhart Bank | Lockhart, TX | $416M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Irvington, KY | $402M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Vision Bank of Tennessee | Tullahoma, TN | $414M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fleetwood Bank | Fleetwood, PA | $416M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FORTE BANK | Hartford, WI | $404M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Founders Bank | Washington, DC | $406M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| GreenWay Bank | Van Wert, OH | $402M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Bank & Trust | Columbia, TN | $418M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| MA Bank | Macon, MO | $417M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pike National Bank | Mccomb, MS | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pony Express Bank | Braymer, MO | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sentry Bank | Saint Joseph, MN | $415M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank & Trust | Winfield, AL | $413M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens National Bank of Park Rapids | Park Rapids, MN | $397M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Grant County Bank | Petersburg, WV | $407M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Security National Bank of Enid | Enid, OK | $400M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.25 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
The First National Bank of Elmer does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for The First National Bank of Elmer (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $94K | +$2K | +2.2% |
| Q1 2026 | $92K | −$11K | −10.7% |
| Q4 2025 | $103K | +$9K | +9.6% |
| Q3 2025 | $94K | $0 | 0.0% |
| Q2 2025 | $94K | −$5K | −5.1% |
| Q1 2025 | $99K | +$3K | +3.1% |
| Q4 2024 | $96K | $0 | 0.0% |
| Q3 2024 | $96K | +$13K | +15.7% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The First National Bank of Elmer left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The First National Bank of Elmer by share.
Amounts from The First National Bank of Elmer’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly minimum balance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly minimum balance fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Reconcilement (per hour—$15.00 minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statements requested | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
Overdraft & NSF | |||
| Insufficient Funds Charge (per paid item) | $37Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Online Bill Pay Additional Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Protection Transfer fee (per item) | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Foreign Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| PLUS ATM Transaction Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement ATM Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement VISA Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer—Outgoing (domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer—Outgoing (foreign) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer—Incoming (domestic & foreign) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Online Bill Pay Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (3 checks) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Items (plus 3rd party fee) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Online Bill Pay Cancelled Check Copy | $12Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay (per month) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Deposit Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box—Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box—Lost Key - | $10Not compared: Box drilling or key fee | Not stated | None |
| Levy & Lien Processing - | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer/Premature Distribution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The First National Bank of Elmer operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $365.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 5 | $312.7M | |
| 1 | $52.6M |
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
0% of bank deposits, #45 of 88, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Capital One, National Association | 45.7% |
| TD Bank, National Association | 13.4% |
| Barclays Bank Delaware | 5.2% |
| Wells Fargo Bank, National Association | 5.1% |
| PNC Bank, National Association | 4.5% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, The First National Bank of Elmer holds 0% of bank deposits, #45 of 88, with 5 offices.
899 offices of 28 institutions shown.
Showing 899 of 1,635 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 88 institutions shown. $685.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 5 offices, #45 of 88
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
309 offices of 89 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.